Cheap 1996 Suzuki Swift Car Insurance Cost

Sick and tired of wondering where the money will come from to pay high insurance rates every month? You’re in the same situation as millions of other drivers. You have so many insurance companies to choose from, and although it’s nice to have a selection, more choices can make it harder to find the best rates for your vehicles.

You should take the time to get comparison quotes as often as possible because insurance prices change regularly. Even if you think you had the lowest price for Swift coverage six months ago you can probably find a better rate quote now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to one of the best ways to get good coverage at a lower rate.

Quote insurance online

Finding a lower price on 1996 Suzuki Swift insurance is surprisingly easy. Consumers just need to take a few minutes comparing free insurance coverage quotes to see which company has affordable insurance coverage quotes. This can easily be done by using one of the methods below.

The best way to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This form prevents you from having to do separate quote forms for each company. In just a few minutes this one form will get you rate comparisons from several companies.
A less efficient way to compare rate quotes requires a visit to each company website to request a price quote. For instance, let’s say you want to compare prices for Nationwide, Geico and Farmers. To find out each rate you need to spend time going to each site individually to input your insurance information, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.
The most difficult method of getting rate comparisons is driving around to local insurance agencies. Shopping for insurance online can eliminate the need for a local agent unless you want the professional assistance that you can only get from talking to an agent. It is possible with some companies compare online quotes and get advice from an agent in your area.

However you get your quotes, make darn sure you compare the same deductibles and coverage limits with every price quote. If the quotes have different limits and deductibles on each one it’s not possible to determine which company has the best rates.

Use discounts on auto insurance

Auto insurance is not inexpensive, but discounts can save money and there are some available to reduce the price significantly. A few discounts will be applied when you quote, but some must be specially asked for before they will apply.

Own a Home – Just being a homeowner can help you save on auto insurance since home ownership is proof that your finances are in order.
Save with More Vehicles Insured – Drivers who insure multiple vehicles with one company may reduce the rate for each vehicle.
Discounts for Good Drivers – Drivers who don’t get into accidents can save as much as half off their rates for Swift coverage than drivers with accident claims.
Pay Now and Pay Less – By paying your entire bill at once rather than spreading payments over time you could save 5% or more.
College Student Discount – Older children who are attending college and do not have a car may be insured at a cheaper rate.
No Claims – Drivers who don’t have accidents can earn big discounts as opposed to bad drivers.
Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a break if you buy life insurance from them.
Multi-policy Discount – When you have multiple policies and insure them with the same company you may save as much as 10 to 15 percent.
Lower Rates for Military – Being on active deployment in the military can result in better prices.

A quick disclaimer, many deductions do not apply to the entire cost. A few only apply to the cost of specific coverages such as comprehensive or collision. Even though it appears adding up those discounts means a free policy, you aren’t that lucky.

Large auto insurance companies and a partial list of their discounts are detailed below.

State Farm offers discounts for multiple policy, student away at school, good driver, Drive Safe & Save, and Steer Clear safe driver discount.
Liberty Mutual has discounts for multi-car, preferred payment discount, teen driver discount, new graduate, newly retired, multi-policy, and new vehicle discount.
American Family may offer discounts for air bags, Steer into Savings, mySafetyValet, good student, accident-free, and TimeAway discount.
Progressive policyholders can earn discounts including online quote discount, online signing, good student, continuous coverage, multi-vehicle, multi-policy, and homeowner.
Farmers Insurance offers premium reductions for electronic funds transfer, early shopping, mature driver, distant student, pay in full, and alternative fuel.
Auto-Owners Insurance includes discounts for air bags, anti-lock brakes, safe driver, anti-theft, paid in full, group or association, and good student.
SAFECO discounts include teen safe driver, teen safety rewards, drive less, safe driver, anti-theft, and accident prevention training.

When getting a coverage quote, ask each company or agent which discounts you may be entitled to. Some discounts might not apply in your area.

Tailor your car insurance coverage to you

When buying proper insurance coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. For instance, these questions can aid in determining whether or not you may require specific advice.

Are my friends covered when driving my 1996 Suzuki Swift?
Am I covered when driving on a suspended license?
Do I get a pro-rated refund if I cancel my policy early?
What is the rate difference between pleasure use and commuting?
Should I bundle my homeowners policy with my auto?
Is my state a no-fault state?
If my pet gets injured in an accident are they covered?
Is extra glass coverage worth it?
Do I need roadside assistance coverage?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Specifics of your insurance policy

Understanding the coverages of insurance can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages available from insurance companies.

Comprehensive protection

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, a tree branch falling on your vehicle, hail damage and falling objects. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision insurance covers damage to your Swift resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as backing into a parked car, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Suzuki Swift.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for bills like ambulance fees, chiropractic care, surgery and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Liability coverages

Liability insurance will cover injuries or damage you cause to people or other property that is your fault. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims like medical expenses, repair costs for stationary objects, bail bonds and legal defense fees. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.